If you’re looking for a firm that will focus on your individual needs, and always treat you like a client who matters, look no further. CMM Financial Consultants offer a full range of professional services to give you the individual attention that you deserve.

We will thoroughly and conscientiously study your personal situation, and tailor sound advice to your specific needs.

Accounting Software Selection & Implementation

There is no shortage of accounting software solutions for your business. Software as a service (SaaS), cloud computing, and other technological innovations are adding more dimensions to technology decisions. Choosing the right solution that will meet the needs of your business now and in the future while also providing a necessary level of security is crucial. An analysis of the nature of your business and financial transactions, current technology, future business plans and emerging needs to identify and implement a software solution that is flexible enough to grow and change with your business.

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Audits, Reviews & Compilations

CMM Financial Consultants audit, review and compilation capabilities are a core part of our services. We will tailor each process to the unique needs of your business. We will deliver financial statements and reports that are clear, concise and acceptable to all outside parties and that can provide information and insight to help you run your business more effectively. We will work closely with you and your key employees to develop and execute a plan to complete this work by minimizing employee time spent on the process and without disrupting operations.

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If your business does not currently have accounting staff or if your business is outgrowing its current bookkeeping system, we can guide and direct you with comprehensive bookkeeping and write-up services to ensure the smooth operation of the financial side of your business. As your business needs grow and change, we can provide input and planning assistance to make sure your accounting and financial systems keep pace with your business needs.
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A budget is the foundation of every financial plan and it contributes to the success for reaching your financial goals. Budgeting is a process of projecting, monitoring, adjusting and controlling future income and expenditures. A budget that is tailored for your needs is an excellent tool to keep track of your cash flows, your actual expenses, and your discretionary income.

One of the main components in budgeting is the cash-flow statements (income/expenses). CMM Financial Consultants will help you economize, save and assist you in avoiding catastrophic financial occurrences and be more prepared in an emergency financial situation.

CMM Financial Consultants understands that budgeting is a learned behavioral practice. Throughout the budget process, we are here to provide you with the guidance you will need for a successful financial future. CMM Financial Consultants will initially conduct an educated trend analysis from your historical personalized financial data, of the inflow and outflow of cash items, yielding positive outcomes.

Next, a budget plan will be presented that is specifically tailored to your income, taxes, investments and debts. It is believed that a multi-faceted budget plan will help you identify your financial objective, find and evaluate financial strategies, as well as form the blueprint for helping you become financially solvent.

The in-depth analysis will include a budget plan for the expected, the re-occurring and the unexpected expenses. CMM Financial Consultants will construct a computer generated personalized income statement with rudimentary formulas, outlining your expenses, savings and debt. Sound management of one’s cash flows eliminates some of the guesswork that can be associated with budgeting.

During the budget process, you will be provided with a forecast of your revenues and expenditures, i.e. construct a budget analysis of how your budget might produce financially if certain strategies, events and recommended plans are implemented.

Furthermore, CMM Financial Consultants will periodically monitor the economic indicators so that your budget will be adjusted appropriately, if needed.
CMM Financial Consultants’ goal is to collaborate with you and equip you with a sound balanced budget, where your income exceeds your expenses.
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Business Consulting

As a true business partner, we are available and committed to help you deal with any business problems and/or opportunities that might arise. CMM Financial Consultants stand ready to engage in business consulting projects to help you make the right decisions for the future of your business. Whether you face questions related to expanding, selling or restructuring your business, we have the necessary business acumen and analytical capabilities to help you make the right decisions.

CMM Financial Consultants will provide you will the necessary tools to get started on your definitive financial plan with a strict sense of confidentiality at all times.

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Business Entity Selection

The business entity—LLP, LLC, sole proprietorship, partnership, corporation, etc.— that you select for your business has enormous financial and tax implications. It is important that you make the right decision. CMM Financial Consultants will explain each choice and its implications. As your business grows and changes, the type of business entity you choose may need to change also.

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Buying or Selling a Business

Few business decisions are more important, complex and potentially business altering than a buy or sell decision. When you are ready to sell your business, we can provide support at every step, including valuing the business, vetting potential buyers, and supporting due diligence. If a buying opportunity presents itself, we can help in reviewing the valuation services, developing negotiation and financing strategies, and managing the due diligence process.

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Estate & Trust Tax Preparation

Estate matters affect everyone. By taking proactive steps today, you can ease the way for your heirs during a very difficult time. We can work with your legal counsel to help you to structure your estate and trusts to minimize taxes and ensure the smooth transition to your heirs. CMM Financial Consultants are available to assist you with estate and trust tax-related matters.

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Financial Analysis

When a business is able to undertake strong financial analysis, it opens up new opportunities to improve management, planning and decision making. Financial analysis provides the numbers to support, reject or contemplate a course of action. Prospective analysis can show how situations may evolve under various scenarios, providing a new dimension to decision making. We are ready to provide this type of financial analysis to support the continued prosperity of your business.

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Financial Planning

Financial Planning is a blueprint serving as a strategic plan in forward thinking to achieve your goals, CMM Financial Consultants will discuss your current station in life and where you want to be. We will develop a partnership that best fits your needs, as well as discuss and follow up with you on your progress to keep you on track toward your goals.

It is our goal to provide you with sound financial advice that you can use to empower and improve your financial situations.  In these economic times, some of us are experiencing hardships and shortfalls.  Most economists, financial gurus and CMM Financial Consultants recommend having at minimum one year of liquid savings in an emergency fund for unexpected life mishaps such as, loss of employment, illness, deaths, pandemics, and other emergencies that may arise.  Through adequate financial planning, it can reduce the burdens and displacements that can occur.

Financial Planning involves proper timing of your economic decisions. CMM Financial Consultants will review your portfolio to make sure you are protecting your family, business and yourself.  It is imperative to have financial planning in the present time to be better prepared for the future.

CMM Financial Consultants will provide you will the necessary tools to get you started on your definitive financial plan with a strict sense of confidentiality.

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Financial Statements

Financial statements are an important tool for management decision making. Financial statements also represent your business to lenders, partners, potential buyers, and other interested parties. We will have a close working relationship with your key personnel to develop and finalize accurate and timely financial statements.

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IRS Representation

An IRS audit can be an intimidating and complex process. If you or your business face an IRS audit, CMM Financial Consultants bring years of experience in dealing with tax matters and IRS audit procedures to ensure that you are properly instructed when dealing with the IRS and other tax authorities.

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Management Advisory Services

Our Management Advisory Services focus on improving the efficiency and effectiveness of your business and its operations. You will be provided support in business planning, mergers, acquisitions, and other advisory support. Contact my office to learn about the full range of services provided.

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Notary Public

A notary public can help you to handle various business matters, including witnessing and authenticating document execution and signatures. CMM Financial Consultants offer Notary Public services, we are available for you.

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Retirement Planning

Retirement planning is critical in these uncertain times and routine changing tax rules and regulations. Whether you are developing a retirement plan for yourself or choosing a retirement plan to offer to your employees, we can help you evaluate the available options. Our focus is helping you to make the choice that is most appropriate for your own financial situation. If you are choosing a retirement plan for your business, we will base recommendations on the unique characteristics of your business and your employee population, as well as the legal and compliance issues related to each type of plan.

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Sales Tax Services

State and local tax authorities are looking to maximize sales tax collections. We can help you understand and manage your sales tax obligations and prepare sales tax returns in an efficient and timely manner.

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Tax Advice

As financial professionals, CMM Financial Consultants will provide understanding and guidance on legislative tax changes to address your challenges and identify saving opportunities. Our philosophy is to serve as your tax guide and tax coach and tax advocate.

Managing one’s life is like a journey. Therefore, by fostering a close and active relationship with our clients, our mission is to help clients plan appropriately in their personal financial matters and business taxation strategizes.

It has been proven that if you do not seek or follow authorized tax advice and tax avoidance you may be giving up an opportunity of savings hundreds or even thousands of tax dollars.

Our clients are provided with tax advisory services and guidance to help them strategize and deal with changes in their personal and business financial situations. We have a track record of sound advice that contributes to the reduction of tax liabilities.

CMM Financial Consultants tax advisory services include:

  • Retirement contributions and rollovers from qualified plans and IRAs.
  • Minimize the impact of the alternative minimum tax (AMT)
  • Charitable contributions and goodwill service planning
  • Educational Saving (529)
  • Pro-active Tax Planning
  • Home Ownership
  • Property Tax Grievance

CMM Financial Consultants will help you understand the tax strategies, tax benefits and shortfalls of certain life events to ensure you are in the tax advantageous percentile.

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Tax Preparation & Planning

Effective tax preparation and planning can help you to minimize your future tax liability. We can help you proactively manage both your personal and your business tax issues, including understanding how upcoming business opportunities impact your tax status and vice versa. Not all tax planning opportunities are readily apparent. By having a tax partner on your team, you are more likely to benefit from those opportunities. We understand how the latest federal, state, and local tax legislation and other developments affect you and your business and we are constantly identifying new ways to reduce your federal, state or local tax liabilities.

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Tax Reporting

In the United States tax reporting is a legal requirement for individuals and organizations to annually report wage and non-wage income earned in their profession or business to the Internal Revenue Service (IRS). The requirement for tax reporting is combined with a set of unique and specific tax rules and regulations, along with the taxpayers’ filing status and tax tables.

CMM Financial Consultants offers the following:

  • Registered Tax Professionals
  • Experienced Tax Personal Service
  • Electronic Filing/e-Services
  • Mid-Year and Year-End Tax Reviews

Your tax situation will be reviewed, examined by any taxable events that require tax reporting that need to be addressed. All reviews with be presented with your taxable financial interests as priority. Failure to follow the authorized tax information could result in the loss of hundreds or even thousands of tax dollars.

CMM Financial Consultants will serve as your Outside Principal Partner with no conflicts of interest with the Internal Revenue Service (IRS). As Registered Tax Professionals, we receive immediate direct tax reporting updates and important law changes for tax reporting.

As Registered Tax Professionals, we believe in strong customer relationships. We will review your previously filed tax returns as far back as the Internal Revenue Service statute of limitations allows. CMM Financial Consultants are constantly working on your behalf to make sure you receive every deduction and credit you are entitled to receive.

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Call today to schedule an appointment!